315 Orchard St, Covington, KY 41011 Property Records

Kenton County property record for 315 Orchard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 720 sqft
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (May 2025)
Tax Bill	$2,650 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-22-18-008.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-18-008.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	720 sqft Finished Area
Gross Area	1,088 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,178 sqft (0.05 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0542218008.00
Street Address	315 ORCHARD ST
City	COVINGTON
State	KY
Zip	41011-2220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDDLES 2ND E 24' LOT 7
Legal Subdivision	RIDDLES
Legal Phase	2
Legal Lot Number	7
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1019
Census Tract	60700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lee-Holman Historic District listed 1996 · 152 contributing resources · NRIS 96000798

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kenton County records, as of November 27, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	315 ORCHARD ST, COVINGTON, KY 41011-2220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2025 · Amount on Record
Deed Sale	May 9, 2025 · Amount on Record
Prior Sale	Oct 29, 2019 · Amount on Record
Deed Document Number	0006789312
Deed Book / Page	6789 / 312
Record Updated	Jun 8, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 29, 2019
Property Address	315 ORCHARD ST, COVINGTON, KY 41011-2220
Document Number	0000000174
Book / Page	0C6789 / 000312
Instrument Date	Oct 25, 2019
Instrument	174
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 ORCHARD ST COVINGTON KY 410112220, COVINGTON, KY 41011-2220

Mortgage

Document Number	175
Date	Oct 29, 2019
Book Page	0C6789/000315
Instrument	175

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2049

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,650.00 (-0.53%)	$200,000 (-) Land $5,000 Building $195,000	$200,000 (-) Land $5,000 Building $195,000
2023	$2,664.00	$200,000 Land $5,000 Building $195,000	$200,000 Land $5,000 Building $195,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 720 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30